About Wedding Insurance

July 24, 2012 at 8:31 pm 3 comments

Imagining your fairy-tale wedding as the perfect day is easy, picturing a disaster such as the photographer or caterer not showing up is almost unthinkable. Wedding costs often run into the tens of thousands of dollars making insurance for your nuptials almost a necessity in order to lessen financial risks against any unforetold delays, disasters or cancellations. Although, wedding insurance does not guarantee a happy marriage, it can protect certain finances and expenses related to your wedding. Read on to learn more about wedding insurance.

What Is Wedding Insurance?

Wedding insurance is a type of special event protection offered by many insurance companies providing coverage from uncontrollable circumstances and offering reimbursements of expenses such as nonrefundable deposits. Unexpected incidences may include delays caused by inclimate weather, no-show vendors and wedding suppliers and postponements related to illnesses, accidents or sudden military deployments. Couples may also want to consider adding additional personal liability insurance to their policy for accident and property damage protection, particularly if the ceremony takes place at home. Wedding liability insurance is often required by venues serving alcohol. Wedding insurance policies may be purchased from insurance companies or independent agents.

What Does It Cover?

Typically, wedding insurance includes coverage for weather emergencies and the costs related to rescheduling your ceremony. Issues related to vendors and service providers such as no-show florists or caterers and recovery of nonrefundable deposits or fees. Inquire with your chosen wedding venue and reception site to see if they already have insurance; if they do not you will want to be covered in case of a fire, mechanical failure or electrical problem. Coverage may also apply towards key people participating in the ceremony and unable to attend due to illness, injury or accident. Insurance coverage varies from policy to policy; examine the terms of your policy to make sure it meets your wedding day needs.

Are There Exclusions?

Runaway brides and grooms with cold feet calling off a wedding at the last minute are not covered by nearly all wedding insurance policies. Strange as it sounds, some policies do not cover weddings disrupted due to acts of terrorism or kidnapping of the bride or groom. Criminal misconduct or criminal-related activities such as vandalism to the wedding venue may not be eligible under your wedding insurance policy. Cancelling a wedding due to a pre-existing medical condition may not be allowed. Read your policy details to understand the exact nature of the exclusions regarding your insurance.

About Supplemental Options

Not all contingencies may be addressed in your initial wedding insurance policy, find out if additional options such as adding travel insurance for your honeymoon are available or for purchase separately. Consider adding insurance coverage for the wedding party attire including the groom, bride and attendants. Other options may include recovering costs related to retaking or restaging photographer and videographer services and replacement or repair to wedding gifts that are stolen, lost or damaged.

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